Sign in to follow this  
TheRoadBack

Help!! What Credit card companies will approve 5 years after default with credit now 730

Recommended Posts

Hi everyone, ran in to some credit issues with BOA, Chase, Wells Fargo etc 5 years ago. My exp credit report is totally clean 730 fico as is TU. Will I be blacklisted from these banks as the were charge offs that we're never paid or do I have a shot? Also, who pulls only exp or only tu? Thank you in advance for your help!!! 

 

Share this post


Link to post
Share on other sites
21 minutes ago, TheRoadBack said:

Will I be blacklisted from these banks

I believe all 3 of those are known for black listing.  AMEX is another.  

21 minutes ago, TheRoadBack said:

Also, who pulls only exp or only tu?

Top tier cards are going to pull all 3 bureaus before extending credit.  Given that you are in the south where Equifax is primary you can expect that they will probably start there.

Share this post


Link to post
Share on other sites

I got a Chase Sapphire card 10 years after I defaulted for a Chase airline card. So with Chase it is possible. 

Share this post


Link to post
Share on other sites

Capital One and Merrick are very lenient now.  They will start off with about $750 credit limit and like 29% APR then after 6 months to a year probably double the limit if maintained well.  Just pay the balance every month and the outrageous rate won't matter.

Share this post


Link to post
Share on other sites

Merrick bank was one of them that was CO. I don't think they will approve me. I was hoping to get approved by a bigger bank but seems they blacklist. I am ok with capital one and never tried Barclays. Any other bigger banks  that might approve with 730 disco but only pull exp or tu?

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this